The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,516
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,185
−HK$680/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,257
+HK$1,392/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,937
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,579
−HK$651/mo
Today · 4.125%
HK$25,230
baseline
▲ 0.50% · 4.625%
HK$26,560
+HK$1,330/mo
Deposit HK$4.72M · loan HK$4.72M · min. income ≈ HK$50,460/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$313,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,819
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,623
−HK$816/mo
Today · 4.125%
HK$27,439
baseline
▲ 0.50% · 4.625%
HK$29,108
+HK$1,669/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$54,878/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,724
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$782/mo
Today · 4.125%
HK$30,276
baseline
▲ 0.50% · 4.625%
HK$31,872
+HK$1,596/mo
Deposit HK$3.77M · loan HK$5.66M · min. income ≈ HK$60,552/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$313,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,123
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,060
−HK$952/mo
Today · 4.125%
HK$32,012
baseline
▲ 0.50% · 4.625%
HK$33,959
+HK$1,947/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$64,024/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,511
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,410
−HK$912/mo
Today · 4.125%
HK$35,322
baseline
▲ 0.50% · 4.625%
HK$37,184
+HK$1,862/mo
Deposit HK$2.83M · loan HK$6.61M · min. income ≈ HK$70,644/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$313,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,729
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,934
−HK$1,224/mo
Today · 4.125%
HK$41,158
baseline
▲ 0.50% · 4.625%
HK$43,662
+HK$2,504/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$82,316/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,086
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,241
−HK$1,173/mo
Today · 4.125%
HK$45,414
baseline
▲ 0.50% · 4.625%
HK$47,807
+HK$2,393/mo
Deposit HK$944K · loan HK$8.49M · min. income ≈ HK$90,828/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,588 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).